Florence, IN
Florence wildfire risk explained
Out of every US place USFS scores, Florence lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 75 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Florence's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Where Florence's buildings actually sit
Most of Florence's buildings (56%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Florence compares
Florence's 82nd-percentile standing inside Indiana outpaces its 21st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Florence ranks 25,051 for wildfire risk (1 is highest) and 30,082 by building count (1 is largest). Within Indiana alone, it ranks 178 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Florence and the insurance market
Florence's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Florence (56% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Florence's figures come from
Florence's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Florence's dominant indirect exposure actually means, with real examples from across the dataset.